Lead Credit Risk Analyst

LEAD CREDIT RISK ANALYST UP TO £80,000-£90,000 PLUS SHARES LONDON HYBRID WORKING (3 DAYS PER WEEK IN-OFFICE) Shape the credit strategy behind a fast-growing fintech transforming how people access and manage financial products. In this lead role, you'll use rich data to drive real lending decisions, influence product innovation, and deliver better outcomes for customers. It's a chance to step into genuine ownership within a scaling, analytics-driven environment.

THE COMPANY This organisation is a fast-scaling fintech business focused on delivering innovative financial products through employer partnerships. They leverage rich customer and transactional data to drive responsible lending, affordability, and financial insight solutions. With continued investment and growth, they are expanding their analytics capability to support new product development and international scaling.

THE ROLE As a Lead Credit Risk Analyst, you will play a key role in shaping and optimising credit strategy across a growing unsecured lending portfolio. You will work closely with cross-functional teams to deliver data-driven decisions and improve risk performance. Specifically, you can expect to be involved in the following:
Defining and optimising credit strategies in line with commercial objectives Analysing data to generate insights and support key business decisions Partnering with product and engineering teams to implement strategies Monitoring performance and identifying opportunities to enhance credit outcomes Supporting the development of affordability and responsible lending policies SKILLS AND EXPERIENCE The successful Lead Credit Risk Analyst will have the following skills and experience:
Strong SQL skills with the ability to work with large datasets Experience in credit risk analytics within a consumer lending environment Ability to translate complex data into clear, actionable insights

Experience with unsecured lending products such as loans or credit cards Strong communication skills and ability to work with non-technical stakeholders Python experience is beneficial but not essential BENEFITS The successful Lead Credit Risk Analyst will receive a salary up to £80,000-£90,000 as well as shares in the company.